NJ Workers Compensation Insurance

Every business in New Jersey needs workers compensation insurance – Reiner Insurance can provide comprehensive coverage.

No matter what type of business you run, you have a legal obligation to keep your employees safe while at work. This responsibility can be fulfilled with workers compensation insurance. New Jersey workers compensation coverage pays for medical care and physical rehabilitation for injured employees while also helping to replace lost wages. It can also provide benefits for the dependents of employees who lose their life due to work-related accidents or illnesses.

Each state has specific requirements for businesses owners in regard to workers compensation. New Jersey workers comp laws mandates that employers must either obtain NJ workers compensation insurance, self-insurance workers compensation, or be legally exempt for the requirement to provide workers compensation coverage. Even if you’re company is exempt, that does not mean that you are relieved of potential liabilities should an employee become injured. Our agents understand that without the appropriate New Jersey workers compensation insurance plan, you can risk setting your company up for financial loss or even criminal charges. You need to understand your rights and those of your employees if they are injured or become ill while working for you.

Even if you purchase a business insurance package, workmans comp must be purchased as a separate policy. Workers comp coverage can provide your company and your employees with the following:

Medical expenses

Lost income/wages

Rehabilitation costs

Death benefits

And more…

Workers compensation coverage can save you and your business from costly lawsuits and employee issues. NJ workers compensation insurance protects your business and employees. Reiner Insurance can provide you with a coverage program that will benefit your company’s most prominent needs.